Summary:
In this episode of Consumer Credit Matters, William Black sits down with Sid Siddhartha (CEO, Intain) to discuss how AI and blockchain could help prevent issues like the alleged double-pledging at Tricolor Auto. They explore what went wrong, how real-time data could change collateral monitoring, and whether this moment could finally push the securitization industry toward modernization.

Chapters:

Chapters:
Intro
• The Tricolor Shock
• Lagging Data, Late Warnings
• The Double-Pledging Problem
• The Road to Adoption
• Conclusion and Final Thoughts

Takeaways:

• The Tricolor bankruptcy reveals major vulnerabilities in consumer credit.

• Double-pledging poses serious risk across warehouse and ABS financing.

• AI can enable real-time collateral performance monitoring.

• Blockchain offers immutable, auditable records to prevent duplication.

• Lenders and trustees are beginning to pilot these solutions with FIS.

• Regulatory shifts may accelerate technology adoption.

  
  

Sound Bites:

“We need early warning signals.”
“Double pledging is a big issue.”
“The technology is here and now.”

About the show:
Consumer Credit Matters is hosted by William Black, a structured-finance analyst and founder of Black Analytics LLC. The podcast features insights and interviews with industry leaders across consumer credit, securitization, and fintech innovation.

#Tricolor #AutoFinance #Blockchain #AI #Securitization #ConsumerCredit #Fintech #StructuredFinance #ABS #WilliamBlack #ConsumerCreditMatters #Intain #SidSiddhartha